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$0-down solar: what it really means
A $0-down plan means you pay nothing upfront, not nothing at all. Here's how a power purchase agreement, a lease and buying compare, so you can choose with clear eyes.
01The three options
The three options
- Power purchase agreement (PPA): $0 down. You pay a set rate for each kilowatt-hour your panels make, and the solar company owns and maintains the system.
- Lease: $0 down. A fixed monthly payment, with maintenance included.
- Buy it (cash or loan): the biggest long-term savings, and the Illinois Shines payment comes off your price.
02What your bills look like
What your bills look like
You stay connected to ComEd or Ameren, and most homes still get a small utility bill for delivery charges and power used when the panels aren't producing. On a $0-down plan you also pay the solar payment. The goal is for the two together to cost less than your bill today, and we show both numbers before you decide.
03Who each option fits
Who each option fits
A PPA suits people who want savings without owning equipment. A lease suits people who want one predictable monthly amount. Buying suits people who plan to stay and want the most savings over time. Most homes that qualify for $0 down have a credit score around 650 or higher.
See if your home qualifies.
We check your roof's sun and shade and your electric bill first, then show which plans fit, with no cost or obligation.
04Questions
$0-down solar questions
Is $0-down solar free?
No. $0 down means no upfront cost. You pay monthly, either for the power the panels make (PPA) or a fixed lease payment. Anyone who calls solar "free" is a red flag.
What if I sell my house?
An owned system usually adds value to the sale. A lease or PPA can typically transfer to the buyer or be bought out; the details are in your contract, so ask before you sign.
Who maintains the panels on a PPA or lease?
The solar company that owns the system handles monitoring and repairs for the term of the agreement.